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GBank Financial Holdings (GBFH)
NASDAQ:GBFH
Earnings Data
Report Date
May 05, 2026During Market Hours (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.53Last Year’s EPS
0.31Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a mix of strong execution and clear remedy actions tied to material operational challenges. Positives include record quarterly earnings, above-peer net interest margin, improving SBA gain-on-sale economics, low historical SBA losses, licensing and early deployment of the BoltBetz PPA with a large addressable market, and meaningful improvements to fraud/KYC controls that have stopped fraud penetration in the recent relaunch period. Negatives center on the earlier credit-card fraud and application issues that forced a marketing pause and reduced transactions, ACH/vendor failures requiring in‑house remediation, regulatory/partner changes (DraftKings/FanDuel) that removed some acceptance channels, and near-term expense and capital costs tied to product and people investments. Overall, management has identified root causes and implemented technical, operational and incentive fixes; the company shows operational recovery signs and strong core financial metrics, but some execution and timing risks remain.Company Guidance
Record Quarterly Earnings
Reported record Q4 earnings of $7.4M, or $0.52 diluted EPS, an increase of $3.1M versus the prior quarter ($4.3M). After adjusting for one-time items, FY2025 diluted EPS was $1.66 vs. $1.37 prior year (up ~21%).
Strong Multi-Year Growth
Company CAGR of 28.3% over the last 8 years, demonstrating sustained top-line expansion and growth momentum.
Net Interest Margin Outperformance
Reported NIM of 4.33% for 2025 versus an industry average of ~3.7%, indicating above-peer core margin performance.
Improving SBA Gain-on-Sale Economics
GAAP gain-on-sale increased from 3.24% to 3.98% in Q4; management expects GAAP gain-on-sale to trend above 4% in 2026. January sales: 12 loans (~$32M) with 8 loans at spread >=1.25%.
SBA Production and Low Historical Losses
Since program start through Q3 2025: 1,002 SBA loans originated (cumulative), $2.473B in hotel 7(a) originations to date, 592 active hotel loans (on/off balance $1.622B). Total historical charge-offs on hotel loans only $2.8M; current hotel loan loss reserve $10.5M.
BoltBetz / PPA Licensing and Market Opportunity
BoltBetz licensed (Nov 21, 2025) as an Associated Equipment Provider; second operator (Distill Taverns) approved to use BoltBetz and confirmed GBank will hold funds (no reserve required). Addressable bricks-and-mortar slot market cited: ~150,000 machines in Nevada and ~800,000 across U.S. potential pipeline.
Credit Card Fraud Controls & Operational Fixes
After relaunch, implemented KYC and fraud stack (Plaid, NeuroID, Precise ID), moved call handling in-house, introduced loyalty/host programs and AI call systems. Management reported ~10,000 fraudulent applications over a holiday weekend with only 6 approvals and claimed 'not one fraud has gotten through' in the last 60 days.
Interchange & Noninterest Income Growth
Interchange income increased by approximately $7M year-over-year, contributing to higher noninterest income while the credit card program is already contributing positively to the bottom line despite being early-stage.
Capital & Liability Management Action
Redeemed $6.5M of subordinated notes that would have repriced to a much higher rate; issued $11M subordinated debt (10-year life, fixed first 5 years at 7.25%) to fund repayment and reduce future interest cost risk.
GBFH Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
GBFH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 28, 2026 | $33.55 | $31.96 | -4.74% |
Oct 28, 2025 | $38.53 | $38.18 | -0.91% |
Jul 28, 2025 | $43.86 | $38.54 | -12.13% |
Apr 29, 2025 | $41.50 | $40.00 | -3.61% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does GBank Financial Holdings (GBFH) report earnings?
GBank Financial Holdings (GBFH) is schdueled to report earning on May 05, 2026, During Market Hours (Confirmed).
What is GBank Financial Holdings (GBFH) earnings time?
GBank Financial Holdings (GBFH) earnings time is at May 05, 2026, During Market Hours (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is GBFH EPS forecast?
GBFH EPS forecast for the fiscal quarter 2026 (Q1) is 0.53.